Credit Officer

JCW Group; Stamford (CT); On-site; USD 90,000 - 130,000; Full time

Job summary

JCW Group is seeking an experienced credit professional toUnderwrite commercial loan transactions with rigorous financial statement and cash flow analyses. You will collaborate with commercial banking officers to structure deals and review term sheets, ensuring adherence to lending policy.

You will also manage an assigned portfolio, conduct covenant testing, and escalate deteriorating credits. The role includes reviewing third-party reports and assisting with closing documentation, while guiding

Qualifications

• Bachelor's degree and formal commercial credit training or equivalent.
• 4+ years in commercial credit underwriting or portfolio management.
• Knowledge of CRE and C&I transactions, loan structuring, and collateral documentation.

Responsibilities

• Underwrite commercial loan transactions including financial statement analysis, cash flow analysis, stress testing, collateral evaluation, and risk rating.
• Partner with commercial banking officers to structure deals, review term sheets, and ensure compliance with lending policy.
• Manage an assigned portfolio through ongoing monitoring, covenant testing, annual reviews, and escalation of deteriorating credits.
• Review third-party reports (appraisals, environmental) and assist with closing documentation.
• Provide guidance and mentorship to junior credit analysts.

Skills

Financial statement analysis

Cash flow analysis

Stress testing

Risk rating

Communication skills

Mentorship

Education

Bachelor's degree

Tools

CRE Transactions

C&I Transactions

Collateral Documentation

Job description

• Underwrite commercial loan transactions including financial statement analysis, cash flow analysis, stress testing, collateral evaluation, and risk rating
• Partner with commercial banking officers to structure deals, review term sheets, and ensure compliance with lending policy
• Manage an assigned portfolio through ongoing monitoring, covenant testing, annual reviews, and escalation of deteriorating credits
• Review third-party reports (appraisals, environmental) and assist with closing documentation
• Provide guidance and mentorship to junior credit analysts

Qualifications

• Bachelor's degree and formal commercial credit training or equivalent
• 4+ years in commercial credit underwriting or portfolio management
• Knowledge of CRE and C&I transactions, loan structuring, and collateral documentation
• Strong written and verbal communication skills